How long has it been since you shopped around for more competitive Suzuki Equator insurance in Baltimore? Wish you could get out of an expensive insurance policy? Trust us, you’re not the only one.
Anyone knows that auto insurance companies don’t want you to look at other companies. Consumers who shop around annually are highly likely to buy a new policy because of the high probability of finding better rates. Remarkably, a study showed that people who routinely compared rates saved about $850 each year as compared to drivers who didn’t regularly shop around.
If saving money on auto insurance is your ultimate goal, then having a grasp of the best ways to find and compare insurance rates can help you be more efficient.
There are many car insurance companies to choose from, and even though it’s nice to have multiple companies, lots of choices makes it harder to find the lowest rates for Suzuki Equator insurance in Baltimore.
It’s a good habit to do price comparisons quite often due to the fact that insurance prices fluctuate regularly. Just because you had the lowest rate on Suzuki Equator insurance in Baltimore two years ago there may be better deals available now. There is lot of inaccurate information about Equator insurance online but in this article, you’re going to get some excellent ideas to stop overpaying for insurance in Baltimore.
Just remember that comparing all the rates in your area will increase your chances of finding the best rates.
The providers in the list below can provide comparison quotes in Maryland. To get cheap auto insurance in Maryland, it’s highly recommended you visit as many as you can in order to get a fair rate comparison.
Do you qualify for discounts on Suzuki Equator insurance in Baltimore?
Companies don’t necessarily list the complete list of policy discounts in an easy-to-find place, so we researched a few of the more common as well as the least known credits available to you.
- Student in College – Youth drivers who are enrolled in a college that is more than 100 miles from Baltimore and do not have a car can be insured at a reduced rate.
- No Charge for an Accident – This one isn’t a discount, but a handful of insurance companies will forgive one accident before they charge you more for coverage so long as you haven’t had any claims for a set time period.
- Homeowners Savings – Just being a homeowner can save a few bucks since owning and maintaining a home is proof of financial responsibility.
- Active Military Service – Having an actively deployed family member may lower your prices slightly.
- Good Students Pay Less – Excelling in school may save as much as 25% on a Baltimore car insurance quote. Most companies allow this discount until age 25.
- Low Mileage Discounts – Low annual miles could earn discounted rates on garaged vehicles.
- Anti-lock Brakes – Cars, trucks, and SUVs with ABS and/or traction control have fewer accidents and will save you 10% or more on Equator insurance in Baltimore.
- Data Collection Discounts – Insureds who allow data collection to study their driving habits by using a small device installed in their vehicle such as Allstate’s Drivewise and State Farm’s In-Drive system could save a few bucks if they exhibit good driving behavior.
- Discounts for Federal Employees – Being employed by or retired from a federal job may reduce rates when you quote Baltimore car insurance with certain companies.
- Air Bag Discount – Options like air bags and/or automatic seat belt systems may qualify for discounts of 20 to 30 percent.
We need to note that most credits do not apply to the whole policy. Most only apply to individual premiums such as liability and collision coverage. Even though it appears it’s possible to get free car insurance, that’s just not realistic.
The diagram below illustrates the comparison of Suzuki Equator yearly insurance costs with and without discounts. Data assumes a male driver, no violations or accidents, Maryland state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-policy, homeowner, claim-free, marriage, and multi-car discounts applied.
Some companies that may include these money-saving discounts possibly include:
Before you buy a policy, ask each insurance company how you can save money. Some of the earlier mentioned discounts may not be available in your area. To see a list of insurers that have a full spectrum of discounts in Baltimore, click this link.
Suzuki Equator coverage statistics
The rate table below outlines a range of prices for Suzuki Equator models. Learning more about how insurance policy premiums are calculated can be of help when making decisions when shopping around.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Equator Ext Cab 2WD | $164 | $268 | $414 | $24 | $124 | $994 | $83 |
| Equator Ext Cab 2WD | $164 | $268 | $414 | $24 | $124 | $994 | $83 |
| Equator Ext Cab 2WD | $188 | $326 | $414 | $24 | $124 | $1,076 | $90 |
| Equator Ext Cab 2WD | $188 | $326 | $414 | $24 | $124 | $1,076 | $90 |
| Equator Ext Cab 4WD | $188 | $326 | $414 | $24 | $124 | $1,076 | $90 |
| Equator Crew Cab 4WD | $212 | $384 | $414 | $24 | $124 | $1,158 | $97 |
| Equator Crew Cab 4WD | $212 | $384 | $414 | $24 | $124 | $1,158 | $97 |
| Equator Crew Cab 4WD | $212 | $384 | $414 | $24 | $124 | $1,158 | $97 |
| Get Your Own Custom Quote Go | |||||||
Data based on married female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Maryland minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, homeowner, and multi-vehicle. Price information does not factor in specific garaging location which can increase or decrease rates substantially.
The illustration below demonstrates how choosing different deductibles and can raise or lower Suzuki Equator insurance rates for different categories of driver ages. The rate quotes are based on a single female driver, comp and collision included, and no additional discounts are factored in.
Insurance agents are trained to help
Many people just prefer to visit with an insurance agent. An additional benefit of price shopping on the web is you may find cheap auto insurance quotes but still work with a licensed agent. And buying from local insurance agents is important particularly in Baltimore.
To make it easy to find an agent, after completing this form (opens in new window), your coverage information is transmitted to insurance agents in Baltimore who will give you quotes to get your business. It’s much easier because you don’t need to find an agent since rate quotes are delivered immediately to you. It’s the lowest rates and a licensed agent to work with. If you want to compare prices from one company in particular, don’t hesitate to jump over to their website to submit a rate quote request.
How to choose the best car insurance agent in Baltimore
If you need to find a good insurance agency, it’s important to understand the different types of agencies and how they are distinctly different. Auto insurance policy providers are classified as either exclusive agents or independent agents.
Independent Auto Insurance Agents
Independent agencies are not limited to a single company and that gives them the ability to insure with lots of companies depending on which coverage is best. To move your coverage to a new company, your policy is moved internally which makes it simple for you. When searching for an agent, you absolutely need to include at least one independent agent so that you have a good selection of quotes to compare.
Listed below is a short list of independent insurance agencies in Baltimore who may provide comparison quotes.
Lambert Insurance Inc
1826 Woodlawn Dr # 6 – Baltimore, MD 21207 – (410) 265-7850 – View Map
Concrete Insurance
6405 Belair Rd – Baltimore, MD 21206 – (410) 433-0313 – View Map
Senate Select Insurance
5417 Reisterstown Rd – Baltimore, MD 21215 – (410) 358-0411 – View Map
Exclusive Insurance Agents
Agents of this type write business for a single company and examples are Allstate and State Farm. They usually cannot provide rate quotes from other companies so if the price isn’t competitive there isn’t much they can do. Exclusive insurance agents are well trained on what they offer and that allows them to sell at a higher price point.
The following is a short list of exclusive agents in Baltimore that are able to give comparison quotes.
Aja Green – State Farm Insurance Agent
7635 Belair Rd – Baltimore, MD 21236 – (410) 882-9433 – View Map
Allstate Insurance: Jim Craig
2829 O’Donnell St – Baltimore, MD 21224 – (410) 522-6100 – View Map
Allstate Insurance: Kent Schwab
401 Jefferson Ave – Towson, MD 21286 – (410) 433-4700 – View Map
Picking an auto insurance agent requires more thought than just a low price. The following questions are important to ask.
- How many companies do they write for?
- How long has their agency been open in Baltimore?
- Do they review policy coverages at every renewal?
- Which company do they place the most coverage with?
- Is assistance available after office hours?
- Does the agent have a valid license to sell insurance in Maryland?
Coverages available on your car insurance policy
Understanding the coverages of your car insurance policy aids in choosing the best coverages and proper limits and deductibles. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy. Listed below are the usual coverages available from car insurance companies.
Collision – This coverage pays to fix your vehicle from damage resulting from colliding with an object or car. You will need to pay your deductible and then insurance will cover the remainder.
Collision can pay for things like crashing into a ditch, backing into a parked car, sustaining damage from a pot hole and hitting a mailbox. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. It’s also possible to increase the deductible on your Equator in order to get cheaper collision rates.
Med pay and Personal Injury Protection (PIP) – Personal Injury Protection (PIP) and medical payments coverage pay for expenses for prosthetic devices, EMT expenses, surgery, pain medications and doctor visits. They are used to cover expenses not covered by your health insurance program or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage
Comprehensive insurance – This coverage covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.
Comprehensive coverage protects against things like damage from a tornado or hurricane, hail damage, falling objects and damage from getting keyed. The most your car insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.
Coverage for liability – This provides protection from damage that occurs to people or other property. It protects you against other people’s claims, and doesn’t cover your injuries or vehicle damage.
It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 30/60/15 that means you have a limit of $30,000 per injured person, $60,000 for the entire accident, and a total limit of $15,000 for damage to vehicles and property. Another option is a combined single limit or CSL which provides one coverage limit without having the split limit caps.
Liability insurance covers things like attorney fees, funeral expenses, medical services and legal defense fees. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as much as you can afford. Maryland requires minimum liability limits of 30/60/15 but it’s recommended drivers buy more coverage.
The chart below demonstrates why buying low liability limits may not provide adequate coverage.
Uninsured/Underinsured Motorist (UM/UIM) – This coverage protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family as well as damage to your Suzuki Equator.
Because many people only purchase the least amount of liability that is required (30/60/15), their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Most of the time these limits are identical to your policy’s liability coverage.
Compare insurance prices regularly to save
We just presented many ways to shop for Suzuki Equator insurance online. The most important thing to understand is the more price quotes you have, the higher the chance of saving money. You may even discover the biggest savings come from a small local company. Regional companies may often insure only within specific states and give better rates than their larger competitors like Allstate or State Farm.
As you go through the steps to switch your coverage, never skimp on coverage in order to save money. There are a lot of situations where an accident victim reduced liability limits or collision coverage only to discover later that it was a big error on their part. Your aim should be to purchase a proper amount of coverage at the best possible price, but do not skimp to save money.
Steps to finding cheaper quotes for Suzuki Equator insurance in Baltimore
The best way to get low-cost Suzuki Equator insurance in Baltimore is to compare quotes annually from insurance carriers in Maryland. You can compare prices by following these steps.
Step 1: Gain an understanding of what is in your policy and the things you can change to prevent high rates. Many things that drive up the price such as distracted driving and a bad credit rating can be remedied by paying attention to minor details.
Step 2: Request price quotes from direct, independent, and exclusive agents. Direct and exclusive agents can provide rates from one company like Progressive or State Farm, while independent agents can quote prices from multiple companies.
Step 3: Compare the new rate quotes to the price on your current policy and see if you can save money. If you find a lower rate and change companies, ensure there is no coverage lapse between policies.
Step 4: Tell your current agent or company of your decision to cancel your current coverage. Submit the required down payment along with the signed application to the new insurer. When you receive it, place the new certificate of insurance in an easily accessible location.
An important bit of advice to remember is to make sure you’re comparing similar coverage information on every quote request and to quote with as many car insurance companies as possible. This provides an accurate price comparison and a complete rate analysis.
For more information, take a look at these articles:
- Insurance losses by make and model (Insurance Institute for Highway Safety)
- Who Has Cheap Car Insurance for Welfare Recipients in Baltimore? (FAQ)
- What Insurance is Cheapest for Young Drivers in Baltimore? (FAQ)
- Who Has Cheap Baltimore Car Insurance Rates for Teenage Females? (FAQ)
- How to Avoid Common Accidents (State Farm)
- Uninsured Motorists: Threats on the Road (Insurance Information Institute)